Costco Anywhere Visa Business by Citi

The Costco Anywhere Visa Business earns 4% on eligible gas and EV charging worldwide (5% at Costco gas stations) on the first $7,000 per year, then 1%, along with 3% on dining and travel, including Costco Travel, all with no annual fee. Costco and Costco.com purchases earn 2%, but that rate does not apply at other warehouse clubs like Sam's Club or BJ's. With no foreign transaction fee, it also holds up for business travel abroad. The catch is the 1% rate on everything outside those categories, and the gas cap means fleets with heavy fuel spend will hit the limit quickly. It is a sensible no-fee pick for a small business that already shops at Costco and spends on gas, meals, and travel.